CARCHEX

I liked the way that the CARCHEX representative was speaking to me. It didn’t seem as if it was totally sales-driven and it was like they were looking out for the best interest for me. The gentleman I spoke with was very knowledgeable as pertaining to the coverage, which I liked. If he didn’t know the answers to some of the questions that I had to ask him, he was honest and he went out of his way to make sure that I would get the answer. He didn’t just say, “I don’t know,” and stopped there. He made sure that he got a supervisor to gain more information to let me know. As far as the understanding part, he wanted to make sure that he covered every nook and cranny, and he did, so he got me there.

It was around the holiday season and it was busy. I have four children, so my schedule is hectic but the rep followed up with me, and that was what got me to go along with it. If he didn’t follow up with me, I probably would've, on my own time, searched for something else. He got me at a good time and gave me the necessary space in between. From the first time that we spoke until the second time that we spoke, he gave me that space and he let me know a really good deal.

I wasn’t too familiar with warranties and I’ve had other people call me as well. But those other people weren’t trying to see if there was a better option or something that was more suitable for me, and CARCHEX did that. When the rep started listing some options, there were some things that I found out that I really don’t see any fit for. But he was able to accommodate that and I like that because sometimes, when you talk to sales associates, it’s like they’re robots. If you ask them anything outside of the ordinary, they’re like, “Wait. What? That’s not how the call is supposed to go.” I hope that every associate is like the one that I spoke with because he was totally awesome and great. He remembered that I have children and he knew I was busy around that time, but he was compassionate about that which was neat and I like it. I would recommend CARCHEX. The people are realistic, honest, suitable, convenient and flexible.

They have a laundry list of what their different packages cover and I had a good idea of what I was interested in and what my primary needs were. I went down the list they sent me, all that information by email, so I was able to read it and print it up and spend some time with it. My needs were related to drivetrain and electronics. But the package that we ended up buying on both cars is all-inclusive. Both the packages are the same, but the prices were slightly different because the cars aren't the same. Their rep, Jason, was very accommodating and was upfront if there were certain things he wasn't sure of. He also brought someone else online who had a little bit more experience and between the two of them, they answered all of my questions.

You don't know how important a vehicle protection plan is until suddenly you have a major item occur. The protection plan was about $4,500 for the two cars. You can do a lot of repairs for $4,500, but you can also have a transmission go or an electronic system go on your car, and it can cost you more than that. We typically replace our cars every two years and that way, you never have to worry as it stays in warranty and I never have any major issues to deal with. But in this case, my wife has a CRV Honda which she loves and I bought a Mini Cooper, which I'm gonna use as my toy. The Mini Coopers made by BMW can be very complicated to repair also because of the electronics in it. The engine in it is made by BMW, and it's a twin turbo, so it can be super expensive if something goes wrong with it. Overall, CARCHEX is very good.

I was gonna keep what I had but what made me change to CARCHEX was that when I was looking at what they offered, there were more apples than what I bought for a lot less. I bought CARCHEX for the same number of miles, 100,000 miles, and for seven years for $1096. My only thing with CARCHEX is when I went online and I put in my zip code, the site said there was no agent in my area. So I called the 1-800 number and the guy explained to me that CARCHEX is out of Maryland and a person has to be licensed to sell in California. But I still bought the warranty because the coverage is still good in California. CARCHEX also said I can take my car to any dealership. I don't necessarily have to take it to Toyota.

When I examined CARCHEX, I was expecting one answer but the salesperson exceeded my expectations in every area. I asked him direct questions, which he answered, then he even gave me extra. He should get a promotion because he did everything excellently. He was not only knowledgeable about the product, but he could also do what I was trying to get the guy at the dealership to do – to show me the value, compare one to the other and show me why it benefits me to buy their product. He was honest with me about it too. It felt like cross-examining on things.

He was also very informative and patient. After he explained everything to me, I told him that I was probably not gonna buy the warranty at that time. I told him that I was gonna undo the first contract then come back and buy it. There was no pressure and I did just that. I cancelled the first coverage then I called the salesperson back and made the purchase about a week later. I made the purchase over the phone by credit card and it was convenient to pay. I had to finance and we had to set up stuff and do a debit for under $61 a month for 18 months. So I pay as I go. That was good stuff.

The car I purchased was a used car but it was barely used. It’s still on the manufacturer warranty but if something goes wrong down the road, the $1,000 I paid would be easily recouped. I probably won't even have to use the $1,000 that I am paying but if I did need the warranty, it's good to have. Getting a warranty is more or less like buying auto insurance. You buy auto insurance because you have to have it. Also, If something happens, you are covered even though you can’t pay out of your pocket. And if you have to have insurance, it makes sense to shop around and compare insurance companies to see which one offers you the best for the least amount of money. CARCHEX answered that question.

Reading F 13 says the maximum hourly rate is based on Repair Facility posted labor rates. These 2 contradicts each other, basically saying the same, so what do I pay extra for? I was told they use a Nationally recognized labor guides for repairs in my area. Why does it say they will pay Posted Labor Rates and not say based off a Nationally recognized labor guides for repair rates under Market Labor Rate Option, which I chose to pay for. The diagnostic check that was completed by the licensed mechanic servicing the vehicle is something required in repairing the vehicle. Now let’s be very clear, I am not a mechanic or have any education in auto mechanics, but who are we to question a certified mechanic on how he performs his job on running the diagnostic test and how long this required step takes.

It’s clearly written under F 4 - This contract will not cover flat rate charges for diagnosis, but I was informed that this diagnostic test was based off a time period and the repair facility gave an estimate of 1 hour to complete under the hourly rate. Again, this is a labor rate and my plan I pay for the Market labor rate option, another part of the contract that contradicts its self and told by the rep using the National guide for this procedure is 24 minutes to complete and not an hour the certified mechanic quoted. So now I’m not paying a posted labor rate, but now it’s a fee divided by 60 minutes and I will be responsible for the remaining 26 minutes, now that’s really some nickel and dime craziness.

The second part of this fold is how they shop for a part and if the repair facility does not accept it I am responsible for the difference. Yes, it’s spelled out clearly in the contract, but I’m not a certified mechanic or work or n auto parts, so I will have to learn the hard way on this. Just a note, I will be shopping for a repair facility that fits this contract now and not following the first part that I can choose my own. Learning curve is how I will chalk this repair up. I just am finding out now (since this is my first claim) is having an extended warranty worth the fee I am paying to haggle over these small issues that contradicts itself.

Since the coverage on this repair will still cost $300 (includes the $100 deductible) still worth continuing? I understand we do not pay for insurance with the hopes we will use it, but in the event it is needed. In essence this is basically an insurance policy on an older vehicle and I do not want to use it, but now that I have it just seems like haggling over the little stuff just might lose more customers than keeping them. I feel I did my homework on shopping for a warranty and still feel that this was the right one. I should have read a few more reviews and already found a repair facility that fits this plan instead of going to one and finding out how it really works.

I researched online and looked at different companies that offered extended service plans. I also looked at ratings of the companies and saw that CARCHEX was one of the more highly rated companies in terms of their services and their coverage. And as I explored it further, I saw that the cost of their service is also competitive. I didn’t know CARCHEX before I’ve done the research but once I delved into it a bit and saw the reviews, I became more comfortable with the company. And I did a comparison with other companies that offered similar services.

The purchasing experience of my plan went well. I filled up an application online which pretty quickly resulted in a phone call from a sales representative of the company who asked questions and began to form a proposal based on what my answers were and gave me options from the basic to the more complete service. And we went over a period of two or three days and half a dozen phone calls for our conversations with their representative. I had a lot of questions for them after looking at the documentation that was provided such as a sample contract. And I got the answers to my questions with the representatives I talked with online. I felt good that, for whatever reason, I have 30 days to change to my mind if I wanted to do that once I signed up.

Tim was the principal person that I talked to and he did an excellent job. There wasn’t anything that I asked him that he didn’t seem to know about and he gave me a good, complete response. Initially, I told him that I was not ready to make the decision that day as I needed a little more time. So we talked the next day. And I had more questions and he was able to answer those. He was a good salesman and also a good resource person. He was not trying to rush the deal. Instead, he was very diligent, responsive and patient with me. Having a vehicle protection plan is pretty valuable based on the experience of friends and family. I’ve also had to use those plans because of an issue with my car but I’m hopeful that I will not have a major issue. But, in case I do, I feel comfortable that I’m covered by this company.

I’m not completely satisfied with that. Plus, most of the providers have a $50 deductible. But CARCHEX has a $100 deductible. And so, I’m not happy with the $100 deductible. But I’m not satisfied how they keep jumping from plan to plan. I was asking for bumper-to-bumper coverage from the start. Another thing I wasn’t satisfied was the 30-day waiting period. And I got a thousand miles to go through before I could get the service. I was telling them that the only reason I’m getting the extended warranty is I’ll never know when something's gonna happen to my vehicle. I might be driving down the street today and something will go wrong with it.

All in all, the people from CARCHEX weren’t trying to give me their highest level premium plan. They just want to try to sell me. They didn’t give me the information and let me decide based on the information. If I hadn’t asked a question, I would’ve had a plan that I’m not pleased with because they didn’t tell me what wasn’t covered. They were asking me for my credit card. So, I asked them. They only told me what was covered. But I might still end up with CARCHEX. I like some of the things they told me. Their rep also answered my question.

Mind you no one ever called to say there needed anything further it's now March. I sent everything, they dropped the ball AGAIN and now it's April still no coverage and issue unresolved. I took my car in for a repair only to find out they had "held" my contract as inactive because they had not resolved the odometer issue. They were still taking out payments and I wasn't able to use.

Fast forward to May. Just got issue cleared and now customer service denies claim to fix items from March saying they were pre-existing. NOT TRUE. Excuse they gave is claims person was new and didn't read all the notes at the bottom of the screen. Customer service assures me issue are covered and will bypass claim agents and give to supervisor. Took several days for them to call the dealership. When they did, they decided to dumb down the prices so everything feel below my deductible therefore nothing was covered at all. Contact Barry and Chevrolet on West 96th Street, Indianapolis and he will be happy to give you all the details and share how ticked off he is at what they were doing. I've asked them to cancel my policy and reissue every penny they took since I actually paid for absolutely nothing... not even coverage. #Nightmare

Once I got in and looked at reviews, a lot of people were complaining they weren’t even serviced by Delta Auto. So, I went ahead and went with CARCHEX. They were not as pushy and it seemed like it was a better deal. The rep was really nice and he took time to explain everything. He went into detail about the extra, and that California is not a common state. He was pretty straightforward. The coverage seemed pretty good. It was half the price of what the dealer wanted, and it was more mileage too.

I was told prior to that anything listed on my contract was covered but I'd only have to pay for things not covered. Well Carchex adjusters finds ways to deny claims so nothing is covered. Also no coverage of repairs means no reimbursement of rental fees, no labor cost covered, and no diagnostic service needed covered.. I feel I was set up as I was told to just take my car and everything would be covered that I needed repaired except optional parts. That just to have nothing be covered at all because of an optional part that AAMCO needed to know if it was covered. So because of this Carchex wouldn't approve my claim even for the covered part.

I spent a great deal on this and am out. This company is a total ripoff and scam. I should have known better after seeing them affiliated with AAA, and All State, who is the worse insurance company around. All State is known for such issues and Carchex warranties go them All State for approval of claims. All State is worse than all of their STUPID commercials. THE WORSE COMMERCIALS IN THE INSURANCE INDUSTRY!!!!

My truck is at a DEALERSHIP to be fixed, I have already paid for diagnostics and the complete quote is ready. CARCHEX shady partnership company required a “independent” inspection of my vehicle and are now demanding the past 12 months service records. 1. I service my vehicle personally. 2. Demanding records outside of the time period when the contract was instituted and valid is ridiculous. 3. There is NO manufacturer recommended service related to exhaust manifolds, or motor mounts that can be produced.

I hate to say it but I feel like I have been swindled. I thought I had an upstanding company to count on in the case of vehicle repairs and now all I have is extremely long wait times on the phone, arrogant customer service representatives, demands for things that don’t exist, and an even longer time for my truck to be repaired. I suggest that CARCHEX step up to the plate and do better for their customers!